Home Page Get A Quote Home Page Contact Us Newsletter Life & Health Insurance Homeowners Insurance Auto Insurance Business Insurance Retirement Planning

Bradley Beach NJ 07720 High Value-High End Home Insurance, Affluent Homeowners Insurance Bradley Beach NJ, Bradley Beach Coastal Home Insurance ,Bradley Beach NJ Vacation Home Insurance, Waterfront Home Insurance Bradley Beach NJ 07720, Flood Insurance Bradey Beach NJ

Allow us to Get you the Best Insurance for your Bradley Beach Home.  Click Here for Quote

Call us 732-295-5584 or email ineagency@gmail.com

& E Insurance Agency named One of Ocean County's Top 3 Best Insurance Agencies
for the 5th time of the Last 6 years.

Named one of the Best for Service 2015 & 2014
NJ Monthly Magazine/Five Star Home/Auto Insurance Professional Award as featured in NJ Monthly Magazine March

High Value, Affluent Homeowners Insurance is specifically tailored to the unique needs of those homes valued in most cases above 
$1 million depending on the company selected. This isn't the Selling price, MARKET Value or appraised tax value. It's strictly the insurance replacement cost. Insurance Replacement cost is calculated by the square footage multiplied by Dollar factor. In today's market the cost per square foot to rebuild could be anywhere from $180 to as much as $300 per square feet or more, depending on materials, Quality, style, location , paperwork and permits etc. 

So a Custom built home 5000 square feet with a pool, patio, 3 car garage etc. can have replacement values range from 1.1 Million to as much as $2 Million or more for insurance purposes. Again this has nothing to do with the market value or selling amount an owner may receive. The owner may even sell this property well be above or below that, but is not related to the insurance replacement costs.
The final replacement value will be determined by an outside independent property inspector.
Some of these affluent homes are also located on or near the waterfront, the Coast, rivers, lakes  on or near the beach. And that makes those homes prone to underwriting issues that prevent the most common Insurance companies from offering coverage.
The majority of Thoe Big Box TV advertised can have 3-5 Mile exclusions, meaning they will not insure homes anywhere in that 3-5 mile range from water!  And the wind and Hurricane deductibles could be 1% to 5%. So if your $1 million dollar home has a 5% wind deductible, You may have to shell out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar. 

Yes it is confusing---that's the insurance market right now
we can help you solve this problem.
I & E Insurance Agency is your one stop solution for all your coastal insurance needs. We have Insurance Carriers that are insuring homes, and properties from the Barrier Island beach front to the 3-5 mile range that most companies exclude.  It doesn't matter whether your Waterfront Dream Home is a small cottage in Belmar or a 10,000 square foot McMansion in Rumson,  a rental home in Lavalette or a ocean view condo in Atlantic City, we can get the right insurance policy for you and your family! 

And in some cases, we can package insurance needs such as home, boat, flood, primary and vacation coverage all together.
Lost your current provider? We write NEW policies,
Click Here  for coastal coverage, so finding the right coverage and carrier for your unique needs is easy. Its our Job! Buying a New House? Congratulations!  We can work with your Realtor, Attorney and Mortgage Company to make sure that your closing goes smoothly. Just  ​
​​​Click Here  and we'll get you a quote immediately.

I & E  Insurance Agency is an independent family owned and operated Agency serving all of NJ. Many of Our customer have multiple homes, Autos, Boats and Business polices with us and find that a one- call for service and solutions can save them time and money.

Our Principals (2) have over 70+ years experience. As a Trusted Choice® Agency www.trustedchoice.com we provide a full range
of Insurance for Business, Personal and Commercial clients.  Additionally, our affiliation with ANE Network Agents of NJ  
http://ane-agents.com  ​​​​​​​​​allows us to offer even more choices to our customers

(services through independent entities) ​​


We're here to help when you need us most. If you have any questions or would like to set up an appointment with
us call 732-295-5584 or email us at 

See our reviews at  www.yahoo.com www.google.com  www.facebook.com  www.yb.com  www.yelp.com 
www.merchantcircle.com  www.manta.com and www.NJ.com

Insurance Today, Smile Tomorrow, Life Happens Be Ready!


Looking for coverage? Click below to request a quick, accurate and affordable rate.

I & E Insurance Agency | 2900 Route 88 | Point Pleasant, NJ 08742 | Phone: 732-295-5584 | ineagency@gmail.comPowered by Insurance Website Builder

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

Services offered through independent NON-AFFILIATED ENTITIES

Home Page About Us Our Services Newsletter Get A Quote Contact Us Asbury Park Press Best of the Best